IronHealth Ironshore Wholesale Product Offerings in the US · 01/20 Regulatory Risk Products Non-Admitted Claims-Made $10M $250K, Co-Insurance Required (10-25%) • Fines, penalties

01/20

Ironshore Product Suite

Product Features

Business Size Product Features Target Classes Undesirable ClassProduct

Admitted/ Non-Admitted

Claims-made/ Occurrence

Minimum Premium

LimitsRetention

(Deductible/SIR)

Custom Accounts & Asset Protection

Solutions

Admitted and Non-Admitted

Claims-made and occurrence forms

availableNone $50M+ N/A

Healthcare providers/payers (e.g., physicians, hospitals, LTC facilities, outpatient, managed care organizations, etc.) & Life Sciences risks

• Loss portfolio transfers with and without tail

• Fronting arrangements• Stop loss coverage for

insured’s SIR• Swing-rated or “loss

sensitive” arrangements• Tailored solutions for

various types of providers written by IronHealth

N/A – Custom was built to consider virtually anyrisks involving healthcare

Employer Stop Loss

UnlimitedMin

15K/person per year

Employer groups self insuring their employer sponsored health plan

• Specific Excess Loss Coverage & Aggregating Excess Loss Coverage

• Specific Attachment Points available from $15K to $1M

Wide range of industries considered and specializein hospitals and government entities

Employing leasing firms

HMO Reinsurance and Provider Excess

Admitted N/A. (Financial Product) $15KOffer up to “unlimited”

per Member per year

$75K up to $1.5M

Small to mid-size. Will consider Large risks provided they are willing to take a sizeable SIR (typically at least $500K to $1M SIR per Member)

• Available to Commercial, Medicare, & Medicaid membership classes with specific retentions per member ranging from $75K up to $1.5M

S Healthcare providers that take risk S HMOs S PPOs S Self-Funded Employer Groups S ACOs

Hospitality Professional Liability

Admitted; Non-Admitted for

Surplus lines only

Claims madeExcess: $25M

Primary: $1M/$3M or $2M/$4M

• Lead excess or follow-form excess Reinsurance of captives

• Line slip placements• Stand alone Tail Policies

S Acute care hospitals (stand-alone or multi-hospital systems) S Rehabilitation Hospitals S Psychiatric Hospitals S Critical access hospitals S Specialty hospitals S Integrated delivery systems S Federally Qualified Community S Health Centers

Life Sciences Product & Professional Liability

Non-AdmittedCombined

claims-made and occurrence form

$5K, $2K Clinical Trials

$20M$5K,

$0 Clinical TrialsAll size businesses

Primary and Excess cover-age available for manufac-turers, distributors, CROs, SMOs and clinical trials

Broad appetite - Includes:

SMedical device & products manufacturers & distributors

SSpecialty and generic pharmaceutical companies

SBiotechnology companies SNutraceuticals/OTC SCROs, SMOs, Human clinical trials

Abdominal meshPain pumpsSpinal productsDME

IronHealth® | Ironshore Wholesale Product Offerings in the US

01/20

Long-Term Care Professional Liability

Non-Admitted Claims-Made and occurrence forms

available$15K

1M/3M primary per location with up to

15M policy aggregate and 10M/10M

umbrella

First dollar up to large retention

programs

Small to Mid-Size operators with the ability to look

at all sizes.

• Coverage available for multiple levels of care

Broad appetite for Senior Care

Managed Care E&O / D&O

Non-Admitted Claims-Made $4.5K $25M $15K All size businesses• Coverage available for a

range of managed care organizations

Broad appetite: we underwrite the full range of managed care organizations.

S Large traditional managed care organizations: HMOs &PPOs

S Other organizations providing managed care services, including ACOs, IPAs, PHOs, UROs, MSOs,TPAs, PROs, QIOs, CVOs, care management and disease management companies and healthcare consultants.

None-although we are cautious in managing our exposure on Blues Plans

Miscellaneous Medical Facilities

Non-AdmittedClaims-Made and occurrence forms

available$5K $10M Vary on classes All size businesses

• Coverage available for over 75 classes of business

Broad appetite - includes:

SSurgery centers SHome health agencies/Hospice SMedical staffing agencies/registries SAmbulance SRehabilitation SDialysis centers S Imaging centers (including mobile imaging) SMedical clinics/health departments/student health centers

SOncology centers SLithotripsy centers SGamma knife centers, SBlood/tissue/organ banks SSleep centers SOptical centers SLaboratories SPharmacies SMental health/substance abuse counseling clinics.

Social Service Organizations, Foster Care

Physician Group Prac-tice Liability

Non-Admitted Claims-Made

No minimum premium on

our re-occurring business. Do implement

one on our tail business ($25K)

Excess: $15M Primary: $1M/$3M

or $2M/$6M

• Reoccurring business of physician groups of 10 or more (can drop below)

• Tail business will entertain anything from a solo practitioner to groups with 500 physicians.

Broad appetiteOn the tail product, we exclude stand alone obstetricians and elective cosmetic surgeons.

01/20

Regulatory Risk Products Non-Admitted Claims-Made $10M

$250K, Co-Insurance

Required (10-25%)

• Fines, penalties and defense costs

SNon-profit hospitals, physician groups (greater than 25 physicians)

Long term care facilities

01/20

Ironshore Product Suite

Product Features

Business Size Product Features Target Classes Undesirable Class

ProductAdmitted/

Non-AdmittedClaims-made/ Occurrence

Minimum Premium

LimitsRetention

(Deductible/SIR)

Environmental Coverage Package

(EPIC PAC)Non-Admitted

GL: Occurrence, Pollution:

Claims-made$20K $1M/$2M All

S Manufacturing and Distribution Companies S Fixed Site Facility Operators

Site Pollution Incident Legal

Liability Select (SPILLS)

Non-Admitted Claims-Made $10K Up to $50MMinimum

Deductible of $25K

All

S Education S Energy - Mining, Oil & Gas, Power Generation S Gas Stations/Service Stations/Convenience Stores S Healthcare S Public Entities S Real Estate (All Classes) S Warehouse Storage & Distribution S Waste Treatment, Storage Disposal Facilities

Contractors’ Environmental Legal

Liability (CELL) Non-Admitted Occurrence $2K $50M $2.5K All

• Blanket operations Occurrence mold coverage

• Blanket transportation coverage (1st and 3rd Party including misdelivery)

• Blanket non-owned disposal coverage Blanket additional insureds where required by written contact with non-contributory language

• No efis, asbestos, silica, professional, silt or sediment, insured vs. insured, project specific policy exclusions

• Broad definition of Insured Contract Definition of pollutants includes electromagnetic fields, mold and legionella

S Any contracting exposure S Wrap-up construction projects

Environmental Excess (EEL)

Non-AdmittedOccurrence or claims

made$3K per $1M Up to $50M All

• Over other carriers/ over other primary pollution policies, including Auto & workers compensation

Storage Tanks

Currently Non-Admitted:

but we will be filing admitted in the near

future

Claims-Made $500k - $10M $0k + All

Ironshore’s Storage Tank Policy responds to releases from underground and above ground storage tanks and helps your client fulfill their financial responsibility obligations.

Online portal to quote, bind, issue is fast and easy to use.

Target All Underground & Above Ground Storage Tanks

S Gas Stations S Convenience Stores S Airports S Hospitals S Auto Dealers S Fuel Terminals S Apartments/Condos S Manufacturing S Retail S Schools

Environmental | Ironshore Wholesale Product Offerings in the US

01/20

Ironshore Product Suite

Product Features

Business Size Product Features Target Classes Undesirable Class

ProductAdmitted/

Non-AdmittedClaims-made/

OccurrenceMinimum Premium

LimitsRetention

(Deductible/SIR)

D&O- Financial

InstitutionsClaims-Made $15M $150K min $250M - $5B AUM

• Blended Management Liability, Errors & Omissions and EPLI Contract.

S Private Equity Fund Sponsors S Alternative Investment Advisors, their companies, its directors, officers, & employees

Publicly-traded companies

D&O- Private

Admitted

Claims-Made for all lines except

Occurrence for Crime

$5KD&O/EPL $1.5K

Fiduciary, $2.5K Fidelity

Up to $25M

$15K Minimum D&O/

EPL,$1.5K Fiduciary $2.5K

Fidelity

No size restrictions, have the most success with Middle Market sized Accounts and up, over $10M in revenue/assets and 25+ employees

• Coverage - Directors & Officers Liability, Employment Practices Liability, Public Officials, School Leaders, Fidelity, Side A, Fiduciary Liability

SManufacturers S Real Estate S Construction S Healthcare S Services S Trucking S Agriculture S Communications S Trade S Insurance

Cannabis related Entities Law Firms Broker Dealers CryptocurrencyThose deemed to pose a moral hazard to Liberty

D&O - Public Admitted Claims-Made $25M All Sizes • ABC or Side A DIC offerings

This product line is currently significantly underpriced given recent claims trends, so until the market improves we are de-emphasizing our public D&O offering

E&O-Cyber/Tech Liability

Non-Admitted Claims-Made $1K $10M $1K• Primary: <2 billion• Excess: All considered

• Third Party Coverage: Network Security Liability Coverage, Privacy Liability Coverage, Regulatory Proceeding and Fines Coverage, Internet Media Liability Coverage

• First Party Coverage: Digital Asset Loss Coverage, Business Interruption Loss and Dependent Business Interruption Income Loss Coverage, Network & Data Extortion Threat and Reward Payments Coverage, Privacy Breach Expenses Coverage

SHealthCare SProfessional Services SManufacturing SRetail/Hospitality SFinancial Institutions/Services SConstruction SPublic Entities (Under 500K population) STechnology/Telecom

SchoolsUtilities and Energy

Professional Lines | Ironshore Wholesale Product Offerings in the U.S.

01/20

E&O-Miscellaneous Professional

Liability

Majority Non Admitted

Claims-made & Reported

Varies $20M Varies All Sizes Primary or Excess

S Management Consultants; S HR Consultants S Compliance Consultants S Marketing firms S Executive / Employee Search Firms S Real Estate Agents and Brokers (representing buyers/sellers of residential or commercial properties);

S Insurance Agents and Brokers (MPL-FI) S Accountants (Excess Only) S Claims Adjustors

Collection Agents Investment Advisors Insurance Companies Home Inspectors Actuaries Franchisors

Transactional Liability

Non-admitted Claims-Made $175K Up to $100MTypically 1%

of EV of targetMid to Large

01/20

Ironshore Product Suite

Product Features

Business Size Product Features Target Classes Undesirable Class

ProductAdmitted/

Non-AdmittedClaims-made/ Occurrence

Minimum Premium

LimitsRetention

(Deductible/SIR)

Excess Liability/ Umbrella

Admitted and Non-admitted

Occurrence or Claims-Made

$15K

Excess Lia-bility:

Up to $50M Umbrella: Up

to $25M

Do not apply All

S Fortune 1000 companies S Real estate and hotels S Contractors S Distributors S Wrap-ups S Financial institutions S Manufacturers S Retailers S Wholesalers

Designers & Contractors Pro-fessional Liability

(DCPL)

Non-Admitted Claims-Made

$10K annual practice policy

$15K project specific policy

Up to $15M

wSIR $10K annual practice policy

SIR $15K project specific policy

Products offerings include:

• DCPL Professional Practice Policy: Primary & Excess

• DCPL Professional & Pollution Practice Policy - Primary & Excess

• DCPL Project Specific Professional Liability• DCPL OPPI Project Specific Professional

Liability

Free contract review services and pre-claim assistance; product line expert underwriting; risk management focused program

Preferred Practice Classes: S Civil contractors S Communication Contractors S Electrical Contractors S HVAC/Mechanical Contractors S Commercial General Contracting

Selective Practice Classes: Machine/Equipment Contractors Process Engineers/Contractors Soil & Geotech Contractors Structural Contractors Residential General Contracting

Preferred Project Types: S Municipal, manufacturing/industrial, hospitality, institutional, apartments, retail/commercial, infrastructure: roads/ bridges/rail

Selective Project Types:Heavy civil, convention centers, stadiums, arenas, oil & gas downstream, casino & resorts, residential

Practice: Naval architects/engineers/shipbuilders; aviation aerospace and aircraft design and/or building

Project: Projects with condo exposure (will only consider excess of $5M attachment); amusement parks/theme parks

Specialty Casualty | Ironshore Wholesale Product Offerings in the U.S.

01/20

Railroad Non-admitted

• Occurrence forms (ISO) for railroad protective liability

• Claims made &occurrence (manuscript forms) for other liabilities

Railroad Protective $1K, Railroad GL $10K, Commercial Railroad $12K, Tourist and Excursion liability $10K, Contingent Liability $10K, Excess $20K (all per Million)

Corresponding PropertyRailroad Property - $5K, Tourist Property $5K, Contingent Property $5K, Excess Property $15K, Contractors Property (equip floater) $2.5K, Run-through Property $20K

Up to $25M on liab except GL, GL max 5M per occurrence, Property up to $10M

• SIR for freight railroads $25K

• CGL and tourist/scenic railroads $5K

Freight: Class 2 & 3

Rest of the products - generally small to mid business, can look into large.

Products offerings include:

• Railroad Liability• Tourist • Railroad Liability• Excess Liability• Contingent Liability• Railroad Protective Liability

S Freight Railroads S Passenger Railroads S Railcar lessors and lessees S Suppliers S Railroad contractors S Service providers and product manufacturers

S Track owners S Excursion Railroads S Customers seeking railroad protective Liability

Passenger Railroads - (Annual Ridership under 5,000,000) Railroad Lessees - Shippers Signal Contractors Terminal Operations: Transload

Freight Railroads - Class 1 Vegetation Control Removal Contractors Manufacturers of PTC technology Passenger Railroads (Ridership above 5,000,000)

General Liability

Non-admittedMostly

Occurrence, but both are available

$25K Up to $2M$5K min

deductible$25K SIR

ISO based coverage form with the ability to manuscript forms & coverage for individual insureds based on exposure

Construction: S General contractors, Fire Suppression, Electrical, Mechanical, Bridge, Roofing

S Project Specific+O9:Q9 and Wraps –Commercial (including apartments) Up to 2/4/4 limits

Manufacturing: SEquipment, consumer goods, furniture, machinery

SWholesale/Distributors S Service Industries

Real Estate: SFocus on commercial

Residential Construction > 20%Tract HousingEnergy Drink OperationsAviation OperationsPharmaceutical OperationsNursing/Assisted LivingNight Club/Bar or > 65% Liquor receiptsDronesHelmet ManufacturingTreestand Sales or Manufacturing Fraternities/SororitiesJanitorial ATV Manufacturing

01/20

Ironshore Product Suite Product Features

Business Size Product Features Target Classes Undesirable ClassProduct Admitted/

Non-Admitted Claims-made/ Occurrence Minimum Premium Limits Retention

(Deductible/SIR)

Builders Risk Property

Non-Admitted

Occurrence $10K

$50M in the PML, up to 200M gross limits, Wood Frame up to 50M gross limits

Varies AllCoverage provided for the construction work period including Delay in Start Up coverage

S Civil engineering projects such as roads, bridges, tunnels, and water treatment plants and completed toll roads and bridges

S Commercial Construction projects such as office buildings, habitational properties, hospitals, for construction & renovation

S Mechanical engineering projects for oil and petrochemical facilities, utilities and heavy manufacturing plants

S Wood frame commercial construction

General PropertyNon-

AdmittedOccurrence $25K $50M N/A

Shared/Layered Programs, both quota share and excess participations,Manuscript policy forms, UWs in most major US cities

S Retail and wholesale operations S Warehouses, manufacturing facilities S Restaurants S Healthcare facilities S Municipalities, schools and institutions S Amusement parks/Financial institutions S Communications and service businesses S Condominiums, apartments S Hotels, motels, resorts and casinos

Classes for which we have other products such as:

• Energy• Builders Risk• Flood/wind only coverage• Single carrier programs

Property | Ironshore Wholesale Product Offerings in the U.S.

Wholesale Contacts

Distribution Ben Johnson Wholesale Distribution Executive – North [email protected](214) 213-9119

Jessica Ferguson Wholesale Distribution Executive – [email protected](617) 999-5341

Tara Houvenagle Wholesale Distribution Executive – [email protected](314) 898-0595

Eric Guinan Wholesale Distribution Executive – [email protected](213) 416-2338

Enviro: [email protected]: [email protected]: [email protected]: [email protected] Casualty: [email protected]: [email protected]

Casualty Diana Cossetti SVP, Excess [email protected](212) 208-4112

Casey Hartley SVP, [email protected](678) 932-3071

Environmental Kevin Fee COO, Environmental Site Pollution & Combined GL/[email protected](267) 443-2875

Michael Delmore VP, Contractor’s Pollution/[email protected](314) 898-0596

HealthcareLainie Dorneker President, [email protected](312) 496-7502

Njoki Wamiti VP, Miscellaneous Medical Malpractice [email protected] (617) 502-5373

Dennis Cook Chief Liability Officer, Long Term [email protected](617) 502 5367

Property Sophia DeCouto Underwriting Manager, [email protected](404) 709-0071

Steve Harvey Underwriting Manager, [email protected](617) 391-6558

Professional Lines Dan Frusciano SVP, Cyber [email protected](646) 826-6771

John Soular SVP, MPL/E&O [email protected](646) 826-4918

Kevin Marzec Assistant Vice President, D&O [email protected](727) 914-2330

Rick Stevens Sr. Underwriting Officer, Private D&O [email protected](646) 826-6614

01/20

Material intended for agent/broker use only. Do not copy or disclose without prior permission of Liberty Mutual Insurance.

This document provides a general description of this program and/or service. Not all insurance coverages or products are available in all states or regions and policy terms may vary based on individual state or region requirements. See the policy, service contract, or program documentation for actual terms and conditions. Some policies may be placed with a surplus lines insurer. Surplus lines insurers generally do not participate in state guaranty funds and coverage may only be obtained through duly licensed surplus lines brokers.

Insurance is underwritten by Liberty Mutual Insurance Company or its affiliates or subsidiaries. ©2020 Liberty Mutual Insurance, 175 Berkeley Street, Boston, MA 02116